Certificates Of Deposit

Bankrate provides comparison tools, educational content, and the latest rate news to help you find the best CD offer.

Explore CD basics

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

Stay updated on CD rate trends

NEWS

How Fed decisions impact CD rates

The Federal Reserve cut rates in September. If you have the funds for a CD, find out if you should commit right now and how today's rates compare to inflation.

CDS

CD rates forecast for 2026

CD investors continue to benefit from strong yields, while inflation gradually slows. Here's what you need to know before the year ends.

CDS

Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

WEEKLY

Current CD interest rates

Read up on top available rates and national average trends over time from Bankrate’s weekly survey of banks and credit unions.

Weekly CD Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

See our top CD rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 10/09/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.26^%_APY

National Average

2.13^%_APY

Calculate your estimated CD earnings

Enter your deposit amount along with the term and APY of the CD you are considering. See how much you could save when your CD reaches maturity.

Learn more

Latest articles

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Planning for retirement? Here’s what you need to know about IRA CDs.

Clocks are displayed across an image of a dollar bill.

Take a look at the days when CDs were offering investors double-digit returns.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

Person frowning at a laptop screen with illustration of money in background

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]

Asian women using laptop computer at home working space.

CD terms can range from three months to five years. Learn which one is right for you.

Find out what happens to CDs that are set to mature.

New Friends Walking on University Campus

The Federal Reserve’s actions can influence student loan interest rates.

The Federal Reserve held rates steady at its January 2026 meeting.

A Black couple talk to a salesperson at a car dealership.

Auto rates will likely not decrease this year. Consider how to still save.

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

The Federal Reserve’s decisions have ripple effects, including for mortgages.

Federal Reserve Eccles Building illustration

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.

How Reg. D impacts your savings account and why it pays to check with your bank.

Woman using credit card for online payments

Both the BankAmericard and the Citi Diamond Preferred are good options for a balance transfer card.

What are credit card processing fees and why do they vary?

Close-up of a female customer in boutique making contactless mobile payment for her purchase. Customer holding cell phone over credit card reader at checkout counter with a sneeze guard in boutique.

Digital wallets are growing in popularity, but is it safe to add your card info?

Easy mornings and working from home for this couple

Savings yields topping inflation could let you hold onto your purchasing power.

The Citi Double Cash Card has a strong 0 percent APR offer and cash back rate.

close up of person holding a credit card and typing on a computer

Many issuers offer gift cards in for rewards — but are the redemptions worthwhile?

Older couple sitting together on a dock over a lake.

What is permanent life insurance? Learn how it works and if it’s right for you.

Beautiful businesswoman is working on the laptop, making online purchases with a card

Are you getting top value from your Amex card? Check out benefits you may be missing.

Limited spots available

Help us shape the future of personal finance

We’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers.

Priority rate alerts

Exclusive member offers

Time saving

Email address

Please provide a valid email address

Limited spots remaining

The trusted provider of accurate rates and financial information